Sberbank is the leader among banking institutions throughout the Russian Federation. People trust the state bank and open accumulative deposit accounts. One of the most popular products is the replenishment deposit at Sberbank. Clients, thanks to the ability to make additional contributions to the deposit account, increase the amount of the deposit. Interest capitalization is made taking into account the funds deposited.

What is an additional contribution - concept

An additional contribution type of operations 2 at Sberbank - what is it? This type of operation means making money on an existing deposit (deposit)... In this case, the product can only be replenished, this point is stipulated by the terms of the contract. The following points are indicated in the agreement on the replenished deposit:

• the minimum and maximum allowable amount of the additional contribution;
• terms of depositing funds;
• whether interest capitalization is foreseen;
• the ability to withdraw funds from the account and the minimum balance;
• terms of payments and recalculation of interest on the deposit, taking into account the funds deposited.

There are separate conditions for each bank deposit. The additional contribution to Sberbank (which we have already discussed) is applicable to deposit and savings accounts. Funds are deposited exclusively through a bank branch, the fact of a payment transaction is reflected in the receipt. If desired, the client can request a statement on his account, which will reflect all operations, including the accrual of interest.

For which products there is an additional fee

Each deposit offer of Sberbank is developed for a specific category of the population. Users have the opportunity to make a deposit and replenish it online. At the moment, the bank offers only five types of savings deposits. At the same time, there are special offers for salary clients and pensioners. Consider several types of replenished deposit accounts of Sberbank:

1. "Top up online @ yn"- amount from 1000 rubles, account replenished without the possibility of withdrawal, rate from 5.25 to 6.6%.
2. "Manage"- from 1000 rubles, replenished with the possibility of withdrawal, the rate is from 5% to 6.15%.
3. savings account- also referred to the types of term deposits. The product assumes the simplest terms. The rate is from 1.5 to 2.30%, there is no minimum and maximum allowable amount for investing funds, the account is unlimited, which can be replenished with any amount. Funds can also be withdrawn at any convenient time.

What is an additional contribution in an extract from Sberbank? Customers who have an open deposit with the possibility of replenishment are familiar with this term. The deposit of funds is reflected in the statement, which can be printed both in the Sberbank branch and in the client's personal account using

Operations

In the tab Operations You can view the structure of your finances, divided into different groups: receipts / withdrawals and cash / non-cash. Access to this functionality is provided upon activation of the Personal Finance Analysis service;

To connect the service on the tab Operations press the button To plug... After that, after a while, the service will be activated.

Attention! Only your debit and credit cards issued by Sberbank, as well as your additional cards opened to the accounts of other persons, are involved in the analysis of personal finances.

When switching to a tab Operations the section opens automatically Receipts and write-offs.

In order to see the ratio of cash and non-cash transactions, go to the section Cash and non-cash.

Receipts and write-offs

On this page you can see the history of the movement of funds on your cards. The system will automatically display a diagram showing the receipts and withdrawals of funds for the last 5 months.

If you build a graph for a period, the names of the months will be displayed vertically. In this case, for each month, under the lines of debiting or crediting, the total amount of operations performed will be shown using a line highlighted in a special color.

Above the graph, the total amount of debits, receipts and card turnover (the total amount of all transactions) is displayed.

Search for transactions

Statement of operations

Also on this page you can view the list of transactions performed for the period of time selected on the chart. To do this, you need to click on the line of debiting or crediting you are interested in on the diagram. As a result, a decryption of the operations performed will appear below.

The list for each operation displays the date of the operation, the name, the category to which it belongs, the card number and the amount for which the operation was performed.

By default, the list displays all transactions performed for the selected period. If you want to view only operations for crediting funds to the card, click the link Receipts... To display only the write-off operations, click the link Write-offs.

< ; > .

Collapse.

Cash and non-cash

On this page you can see the history of the movement of funds on your cards in the context of cash and non-cash transactions. The system will automatically display a diagram showing the receipts and withdrawals of funds for the month. In this case, transactions performed by bank transfer will differ from transactions with cash in color.

The activity graph is a strip chart divided into two parts by a vertical axis. To the left of this axis there are lines of debiting, to the right - crediting of funds. The length of the lines shows the amount of the transaction.

On the left above the graph, the month for which these operations were performed is shown. The days of the month are located vertically downwards.

If you build a graph for a period, the names of the months will be displayed vertically. In this case, debits and credits will be displayed on a monthly basis.

You can view information on the operation by hovering the cursor over the line you are interested in. The date of the transaction and its amount will be displayed on the screen. If there is a "-" sign in front of the transaction amount, then this is a write-off operation, if "+" - then crediting.

Above the graph, the total amount of receipts, debits and card turnover (the total amount of all transactions) is displayed.

Search for transactions

You can use the filter to build a chart by other parameters. To do this, set the criteria for plotting:

After changing the settings, the system will show a diagram according to the parameters you specified.

Statement of operations

Also on this page you can view the list of transactions performed for the period of time selected on the chart. To do this, you need to click on the line you are interested in on the diagram. As a result, a decryption of the operations performed will appear below.

The list for each operation displays the date of its execution, the name, the category to which it belongs, the card number and the amount for which the operation was performed.

By default, the list displays all transactions performed for the selected period. If you want to view only the operations of crediting or debiting cash to the card, click the link Cash transactions... To display only non-cash transactions, click the link Cashless transactions.

If the statement takes more than one page, then you can go to another page by clicking the arrows < ; > .

You can also choose how many transactions will be shown on the page - 10, 20 or 50. For example, if you want to view 20 transactions, then in the "Show by" line, select the value "20". The system will display the 20 most recently performed operations.

To hide the list of operations, click the link Collapse.

What does the line "type of operation" mean in a payment order? Type of transaction cipher 3 Sberbank

What does the line "type of operation" mean in a payment order?

The payment order does not contain the phrase “type of payment”, but there is an abbreviated one - “type of operation”, which stands for “type of operation”. In accordance with Appendix 3 to the Regulation of the Bank of Russia dated June 19, 2012 N 383-P "On the rules for transferring funds" "type of operation" has 18 variable number (field 18). Hope you are interested in this particular props.

In the field of the payment order "Type of order." (type of operation) values ​​are always entered in two-digit numbers. When registering a payment order, field No. 18 is always filled with the value "01", which is the cipher of the payment document.

The required cipher of the payment document is affixed on the basis of the following regulatory documents:

• Of the Accounting Rules in the Central Bank of the Russian Federation (Bank of Russia) dated 09/18/97 N 66, Appendix 1 “List of symbols (ciphers) of documents held in bank accounts”.
• Of the Accounting Rules for Credit Institutions Located on the Territory of the Russian Federation, dated 06/18/97 N 61, subject to amendments and additions.

So, in accordance with these "Rules ..." each type of payment document is assigned its own, special code "type of operation", which is put down in field 18 of the document. For example:

• "01" - Payment order,
• "02" - Payment request,
• "06" - Collection order,
• "16" - Payment order, etc.

There is one more phrase in the payment order starting with the word "type" - this is "type of payment" (field No. 5). Just in case, I will explain it too. The following words can be entered in the "Type of payment" field of a payment order:

• respectively, the words "by mail" or "telegraph" - if in the settlement network of the Bank of Russia payments are made by post or telegraph.
• "electronically" - in payment orders submitted for making payments through the BESP system. Since 2013, it has not been applied in paper form for settlements.
• the field is not filled in - in cases such as payments within one branch.
• and when drawing up a payment document in the "client-bank" system - instead of the word, the code set by the bank is indicated

bankirsha.com

Symbols (ciphers) of the type of operations affixed in Personal Accounts / Appendix to Rule No. 7 dated September 30, 1987 / Document ATP-14202170/10496073 ATP Pravo.ru

─────────┬─────────────────────────────┬──────── ──────────────── Conditionals ───────┬─────────────── ────┼───────────────┼───────────────┼───────────── ──────────── 1 │ 2 │ 3 │ 4 ─────────┼───────────────┼────── ─────────┼──────────────────────── 1 It is clear to yours. │ to the order of │ my copy of the payment - │At the loan is attached │ │ a copy of the payment order - │ of the payer's │ │ 2 │ Paid - │ Accrued by │ With full payment: by tezhnye required-│paid payment-debit - without attachments, │nia (collection to technical requirements │ except for payment under the consolidated order, delivery (collection memoral warrant, │order) │with orders, │when a copy of │ │ orders is attached) │ this order; on credit - │ │ │tu - copies of payment │ │ │ requirements. In case of partial payment by debit and │ │ │ credit - copies of memorial orders │ │ │ 2 │ Written according to Accrued from ak-│ By debit - register-account- │ plain debit-│ credit for │tov and other documents, mu bank advice paid re-│provided conditions- │the supplier (according to the list of accounts (by letter of credit; by │account N 720) │correspondence│dit - without attachments │ │ with account │ │ │N 830) │ │ │ │ 2 │ Written in agreement-│ Accrued with- │According to the loan without attached summary │ clearly summary │niy. By debit, attached │request (de │request │ a copy of the consolidated demanded advice note) on- │By debit - without attached your check │personal │zheniy. For a loan - an order - │ │ │der of a contribution announcement - │ │ │niya 0402001 or a notification - │ │ 0402005, and when │ │ │ crediting proceeds, │ │ │ given in bags through │ │ │ State Bank cashiers, - │ │ │ invoices to bags with │ │ a copy of the statement of pre-│ │ │ pre-crediting │ │ │ proceeds before its recalculation │ │ │ 3 │ Written under- │ Charged from- │ By debit and credit - stuck in the bag │ surplus in the bag │that on the front side │with encased-with encased-│will to the bag │with revenue │this revenue (in 729) │ │ │ │ 4 │Paid for your │Available payment- │Without attachments │check check clearly in your on account │ │ │tu N 673) │ │ │ │ 5 │For issued issuance of an order application │credit │ │ │ │ 6 │ Written from yours By debit - a copy of the paid invoice according to │Your account of the agreed document, according to clearly attached clearly attached to the credit copy of the memorial to the statement to the statement to the statement of the ny order or other │ from the personal │from the personal │document │ account │ account │ │ │ │ 7 │Paid yours │Payed yours payment - a copy of the setting account-│ssudny account) │memorial warrant │tu) │ │ │ │ │ 8 │A loan has been issued │According to │By debit - without attachments- │according to your│Your account is the amount of │zheniy. For a loan - a request (for a loan in accordance with the application form for the issuance of a loan account) │Your application for a loan 9 a copy of the instruction of the credit balance (for the settlement and audit department, for write-off accounts and personal accounts, for offsetting the credit balance) Copy of the memorial order │ │ │ 0 │Credited to │Without attachments │th account Your account cents in favor of │cents in your │ │bank (in correspondence-│use (in correspondence with │respondence │ │account N 96) │with account N 97) │ │ │ │ 0 │It is listed │Amount is credited│Copy of the memorial order- the amount of trade │trade discounts│dera │discounts (capes- │ (capes) or │ │ki) or profit-│profits and amor -│ │li and depreciation-

For the symbolic designation of the movement of loans from the state budget in personal accounts for off-balance sheet accounts N 9951 and 9952, the following digital designations are used in the column "Type of transaction".

─────────┬─────────────────────────────────────── ──────────────── Conditional ───────────────────────────── type │ by receipt │ by operation flow │ │ ─────────┼ ──────────────────────────┼────────────────────── ────── 7 │Open loans according to │Closed a loan by order of the │expenditure schedule │Ministry of Finance or │ │retracted by your superior institution │budgetary order

In personal accounts compiled on a computer, the code of the type of operation can consist of two characters (according to the classifier of payment turnover).

Chief Accountant of the State Bank of the USSR V. I. SOLOVOV

docs.pravo.ru

instructions for use - SKB Kontur

	Shipment (transfer) of goods (performance of work, provision of services), property rights free of charge	May apply in clause 9, 9.1. If this code is used in other applications, the declaration may be refused. The counterparty does not need to enter the counter invoice entry in his purchase book.
	Works by contractors (developers, customers with the functions of developers, technical customers) for capital construction, modernization (reconstruction) of real estate or the acquisition of these works by taxpayers-investors; transfer by the specified persons (acquisition) of completed (unfinished) capital construction, equipment, materials under capital construction (modernization, reconstruction) contracts	The counter-invoice record of the counterparty must be with KVO 13
	Transfer of property rights listed in paragraphs. 1-4 Art. 155 Tax Code	It is used instead of the excluded KVO 11 (except for operations for which KVO 01 is set). Specified in section 9, 9.1. If this code is used in other applications, the declaration may be refused.
	Drawing up (receiving) by a commission agent (agent) selling (receiving) goods (works, services), property rights on its own behalf, an invoice, which reflects data on own goods (works, services), property rights and data on goods ( works, services), property rights realized (acquired) under a commission agreement (agency agreement)	You can also read about the use of the code in the article "How to use KVO in complex transactions", paragraph "Simultaneous sale (purchase) of own goods and goods under a commission agreement"
	Receipt by the seller of goods returned by buyers who are not VAT payers or are exempt from duties related to the calculation and payment of tax. This also includes a partial return of goods by the specified persons, as well as the refusal of goods (works, services), provided for in par. 2 p. 5 art. 171 of the Tax Code of the Russian Federation (except for operations under code 17)	The counter invoice record must be with KBO 01 or 26. Specified in section 8, 8.1. If this code is used in other applications, the declaration may be refused.

The transfer of funds using the payment system of the Russian Federation is accompanied by the preparation of a special document - a payment order. The Bank of Russia, among the details of the payment order form, has approved such a field as "type of operation". Let's consider what exactly the specified field means, as well as what value corresponds to the field "type of operation" in the payment order in 2017.

Payment order

As follows from Art. 31 of the Federal Law of 02.12.1990 N 395-1 "On Banks and Banking Activities", banks transfer funds in compliance with the regulatory procedure established by the Central Bank.

The form of the payment order, its details and their features are contained in the Rules for making money transfers approved by the Bank of Russia on June 19, 2012 (hereinafter referred to as Rules No. 383-P).

All the details of the payment order are important for the correct identification of the payment by the credit institution and the correct execution of the payer's will to transfer funds. If there are inaccuracies in the details of the payment document, this may result in an erroneous transfer of funds or incorrect identification of the payment.

The list of payment details with their decoding is contained in Appendix 1 to Regulation No. 383-P.

The main details of the payment order include:

• information about the payer (these include his name or full name (8), TIN (60), KPP (102), bank details (9, 10, 11, 12));
• information about the recipient of the payment (they also include the name or full name (16), TIN (61), KPP (103), bank details (13, 14, 15, 17));
• information about the payment (amount in rubles (6, 7), BCC - for payments to the budget (104), the corresponding purpose of the transfer (24)).

The payment order also contains other details, including "Type op". This requisite is located in field No. 18 of the payment order and stands for "type of operation".

Transaction type in the payment order

Field No. 18 of a payment order must always contain the value "01". This is due to the fact that there are only three values ​​for the corresponding field and only one of them corresponds to the payment order. The rest of the values ​​are as follows:

• "06". The specified value corresponds to the collection order;
• "02". This value corresponds to the "request for payment" transaction type.

The values ​​of the fields "type of transaction" (18) and "type of payment" (5) should not be confused. The field type of payment must contain the value set by the credit institution. Such values ​​can be an indication of the urgency or form of payment (for example, "urgent", "telegraph", "mail" or another value). If the bank has not set such a value, the specified field is not filled in. The specified variable has nothing to do with the field "type of operation", the values ​​of these two fields in the payment order do not correlate in any way.

Thus, if a payment order is filled in, the payer must always indicate in the corresponding field (18) the type of operation "01". Specifying a different value will entail a discrepancy between the type of the operation being carried out and the corresponding attribute of the document accompanying this operation.

On the basis of the Federal Law of 27.06.2011 N 161-FZ "On the National Payment System", the bank is obliged to monitor the correctness of filling in the details of the client's order. If the result of this check is unsatisfactory, the bank will be forced to reject the client's order and notify him about it.

Each bank is an important lending and financial institution, where the requirements in the implementation of activities are observed and generally accepted standards are taken into account. Thus, a database of code banking operations was formed, which is actively used in reporting and general activities by Sberbank. The most interesting type of operation 2 in Sberbank - it is this cipher that seems to be a huge list of perfect processes in the cooperation of a credit institution with clients.

What is opcode

Sberbank, like other financial and credit institutions, operate according to a specially developed AWS Client program of AS Client-Sberbank, the version of which is constantly updated. It is here that "accounting" statements are formed on the income and expense of funds, in fact, operations carried out by employees. For simplicity and automatic distribution, special codes were generated, similar to the balance sheet.

Banking transactions have their own codes

A code or cipher is a digital designation of a transaction, which implies the content of information from statements of a current account. In other words, the cipher replaces numerous explanations for the operation performed by the client who contacts the bank.

At the moment, an approved list of codes has been formed for all financial and credit institutions, which is constantly undergoing changes due to the introduced additional features.

The list is used by modern developers of banking programs, according to which employees of a financial institution carry out their activities.

Name of code 2 of Sberbank

Transaction code 2 Sberbank is used subject to the following conditions:

1. The presented cipher implies the deposit of funds on the client's existing deposit.
2. At the same time, the contribution must be replenished - this is indicated in the contract and is developed in advance even before the approval of the terms of the program.
3. The contract must indicate the minimum and maximum allowable amount of money for an additional contribution. Also, in the text of the document, mandatory information is provided in the form of the timing of depositing money, possible capitalization of interest and withdrawal of funds, features of recalculation of interest on a deposit, taking into account the contribution made.
4. Additional contributions to Sberbank are applicable only to deposit and savings accounts.
5. The funds are deposited at the bank branch - the submitted operation is indicated on the receipt.

If desired, each client can make a request to receive a statement from their savings account. The report received will indicate all operations performed with the money on the deposit.

Account statement

At the moment, cipher 2 in Sberbank is acceptable for use only in operations with the following types of deposits:

1. Top up online @ yn - you can open an account with an amount of 1000 rubles, top up it at any time possible for yourself. This implies the option of withdrawing funds as required. Interest rates on deposits vary depending on the amount of the deposit - from 5.25 to 6.6%.
2. "Manage" - a deposit is opened with an amount of 1000 rubles with replenishment and withdrawal of money at any time you want. The interest rate varies from 5 to 6.15%.
3. Savings account - a term deposit with the above conditions and an interest rate of 1.5 to 2.3%.

From the above, it should be concluded that code 2 of Sberbank is an additional contribution, which implies an amount of money deposited into a previously opened savings account.

Similar ciphers

In the list, many codes simply intersected with each other and embodied a similar procedure. For example, the type of transaction code 15 Sberbank included a similar procedure for a deposit account. As a result, in 2017 the code was removed from the list - now it is not used, since by its existence it was a “subcode” of the already considered cipher 2.